Getting financial help and support

We know that getting a dementia diagnosis can sometimes make you feel out of control. Many people find that planning ahead for the future can help them feel more assured.

If you have a dementia diagnosis, or are caring for someone who does, you could be entitled to a number of benefits. Use the online Benefits Calculator to see the benefits you, or the person you care for, might be entitled to. Visit www.gov.uk/benefits-calculators.

Attendance allowance

What is it?
A benefit paid by the UK government to people over 65 years old.

Am I eligible?
You can claim it if your ability to keep safe or look after your own personal care is affected by physical or mental illness or disability.

How much is it?
There are two weekly rates:
£58.70 if you need help or supervision either in the day or at night
£87.65 if you need help or supervision both in the day and at night, or if you’re terminally ill

Claiming Attendance Allowance will not reduce any other income you receive, and it is tax-free. If you are awarded it, you may become entitled to other benefits, such as Pension Credit, Housing Benefit or Council Tax Reduction, or an increase in these benefits. Successful claims can be backdated to when you first applied.

How do I apply?
Call 0800 731 0122 from 8am to 6pm, Monday to Friday. Download forms at www.gov.uk/attendance-allowance/overview.

Carer’s Allowance

What is it?
A UK government payment to the carer of someone who receives other benefits, like Attendance Allowance or Personal Independence Payment, or Disability Living Allowance.

Am I eligible?
You need to:

  • be 16 years of age or over and spend at least 35 hours a week caring for someone
  • earn no more than £123 a week, once allowable expenses are deducted
  • not be in receipt of certain other benefits, like Incapacity Benefit or a State Pension

How much is it?
You can receive £66.15 a week. Keep in mind that the person being cared for may lose some of their benefits if their carer receives this allowance. Find out more about which benefits could be affected: www.carersuk.org/help-and-advice/financial-support/help-with-benefits/carers-allowance.

How do I apply?
Call the Carer’s Allowance Unit on 0800 731 0297 between 8am and 6pm, Monday to Friday.

Apply online at www.gov.uk/carers-allowance.

Carer’s credit

What is it?
It’s a benefit paid by the UK government to carers which helps build your entitlement to the basic State and Additional State Pension.

Am I eligible?
Your income, savings or investments won’t affect eligibility for Carer’s Credit. You need to be:

  • caring for someone for at least 20 hours a week
    over 16 but under State Pension age
  • looking after someone who gets specific benefits, like Attendance Allowance

How much is it?
You won’t receive cash but will get credits to help fill gaps in your National Insurance record.

How do I apply?
Call 0800 731 0297 Monday to Friday 8:00am to 6:00pm.

Download the Carer’s Credit claim form online at
www.gov.uk/carers-credit.

Council Tax Reduction

What is it?
Council tax is a fee local authorities charge to people living in residential properties to help meet the cost of local services. Certain reductions on the charge are available for some people.

Am I eligible?
If a person with dementia receives either Attendance Allowance, Personal Independence Payment, or Disability Living Allowance at the middle or higher rate, they should be exempt from paying council tax in England, Wales and Scotland.

Also, some carers do not have to pay council tax if they are living with and caring for a person with dementia who gets the higher rate of Attendance Allowance or Personal Independent Payment.

How much is it?
If a person with dementia lives in a house with someone else, the council tax should be reduced by 25%. If the person with dementia lives alone, they are exempt from paying council tax.

How do I apply?
Call your local council tax department and ask for a form for ‘mental impairment’.

Find out more at www.gov.uk/apply-council-tax-reduction.

Disability Premium

What is it?
Disability Premium is a UK government benefit from the UK government which is added to Income Support or income-based Jobseeker’s Allowance if you qualify for it.

Am I eligible?
You must be under pension credit age and be receiving: Disability Living Allowance, Personal Independence Payment, Armed Forces Independence Payment, Working Tax Credit with a disability element, Attendence Allowance, Constant Attendance Allowance, War Pensioners Mobility Supplement, Severe Disability Allowance
or Incapacity Benefit.

How much is it?
You could receive £34.35 a week if you’re single and £48.95 a week if you’re part of a couple.

How do I apply?
You don’t have to claim Disability Premium as it’s automatically added to your Income Support if you’re eligible. Call your local Jobcentre Plus on 0800 055 6688 from 8am to 6pm, Monday to Friday, if it hasn’t been paid.

Find out more at www.gov.uk/disability-premiums-income-support.

Employment and Support Allowance (ESA) and Universal Credit

What is it?
ESA is a UK government benefit paid to people whose illness or disability affects their ability to work. It is being replaced by a new benefit called Universal Credit.

Am I eligible?
You need to be:

  • under State Pension age
  • not in receipt of Statutory Sick Pay or Statutory Maternity Pay
  • not in receipt of Jobseeker’s Allowance
  • You might be transferred from Incapacity Benefit to ESA and won’t be expected to return to work.

How much is it?
You’ll get a pre-assessment rate of between £57.90 and £73.10 when you first claim. Then, after 13 weeks, you can receive up to £111.65
a week.

How do I apply?
Call Universal Credit helpline on 0800 328 5644 between 8am to 6pm, Monday to Friday.
Find out more at www.gov.uk/employment-support-allowance.

ESA is being replaced by a new benefit called Universal Credit. Universal Credit is being introduced in stages throughout the UK. To find out if you are eligible to apply for Universal Credit or ESA, please visit www.gov.uk/universal-credit.

Personal Independence Payment (PIP)

What is it?
A benefit paid by the UK government which helps with some of the extra costs caused by long-term ill-health or a disability.

Am I eligible?
You need to be aged 16 to 64 and living in Great Britain. PIP is tax-free and you can get it whether you’re in or out of work.

How much is it?
You could get between £22.65 and £145.35 a week, depending on how your condition affects you.

How do I apply?
To apply, call The Department of Work and Pensions on
0800 917 2222 from 8am to 6pm, Monday to Friday.

Find out more at www.gov.uk/pip/overview.

Personal Health Budget

What is it?
A personal health budget is an amount of money to support your health and wellbeing needs, which is planned and agreed between you (or someone who represents you), and your local NHS team. It allows you to manage your healthcare and support such as treatments, equipment and personal care, in a way that suits you.

Am I eligible?
The right to have a personal health budget only applies to adults currently in receipt of NHS Continuing Healthcare, but local NHS organisations are free to offer personal health budgets to other people on a voluntary basis if they think an individual will benefit from it.

How do I apply?
Talk to your local NHS team who help you most often with your care.

Personal Budget

What is it?
Local authorities have a legal responsibility to ensure that your needs are met. A personal budget is an amount of money from a local authority to help people to manage their care in a way that suits them. If they agree to pay for some or all of your care needs, the local authority must also offer a choice of how to meet your needs. The aim of personal budgets is to give people greater choice over the care and support they receive.

Am I eligible?
A person must have been assessed as requiring services in order to receive a personal budget, and the payment must be used to purchase the services that the person needs. Payments may be made to the carers and to people with dementia.

How do I apply?
You can request information about a personal budget by contacting your social services department and asking for a Needs Assessment.

How are these budgets paid?
Once a care and support plan has been put in place, it can be managed in different ways:

  • No money changes hands as the NHS team or council arranges the agreed care and support
  • A different organisation or trust holds the money for the individual and supports them to decide what they need
  • The individual receives a direct payment and manages the services themselves

What is the difference between a personal health budget and a personal budget?
A personal budget is for your social care needs, while a personal health budget is for your NHS healthcare needs.

Can I join up my personal health budget and my personal budget?
Personal health budgets and personal budgets may be joined together into one package of care.

Paying for care
Provision of care in the UK is the joint responsibility of the NHS who provides healthcare, and the local authority social services who provide social and personal care. Services that the NHS provides are mostly free. But, you may have to pay for all or some of the services that have been arranged by your local authority social services, depending on your income and the amount of your savings.

Any decision as to whose responsibility it is to provide care can have significant financial consequences. A booklet produced by the Alzheimer’s Society, called ‘When does the NHS pay for care?’ offers guidance on eligibility. It explains what NHS Continuing Care is, how you might be able to get it, and what to do if your request is turned down. Read ‘When does the NHS pay for care?’.

For more information on free care outside of hospital that is arranged and funded by the NHS, search NHS Continuing Care on www.nhs.uk.

Sources of support

Our ‘sources of support’ booklet is for family carers of people with dementia and for people living with dementia. It may also contain useful information for professionals working in the field of dementia care

Find out more

Legal and financial information

Benefits for dementia patients are not widely publicised, and dementia can create financial worries. We’ve collated  a variety of information about the benefit entitlements which may be available to you if you’re living with dementia

Find out more

Dementia Helpline

Do you have a question or concern about dementia – including Alzheimer’s? Call our free Dementia Helpline on 0800 888 6678, it’s staffed by our Admiral Nurses, who are here to support you with advice, one-to-one support, and practical information

Find out more